Privacy Policy

Last Updated: June 15, 2024

Introduction

FinSeoul ("we", "our", or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our website (finseoul.com) and our personal loan comparison services (collectively, the "Services").

Please read this Privacy Policy carefully. By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy. If you do not agree with our policies and practices, please do not use our Services.

Information We Collect

We collect several types of information from and about users of our Services, including:

Personal Information

When you use our Services, we may ask you to provide personal information, such as:

  • Contact information (name, email address, phone number)
  • Demographic information (address, city, country of residence)
  • Financial information (income, employment status, credit score range)
  • Loan requirements (desired loan amount, purpose, preferred terms)
  • Identity information (for verification purposes)

Usage Information

We automatically collect certain information about your equipment, browsing actions, and patterns, including:

  • Details of your visits to our website, including traffic data, location data, logs, and other communication data
  • Information about your computer and internet connection, including your IP address, operating system, and browser type
  • The pages you visit before and after visiting our website
  • Information about how you interact with our website

Cookies and Similar Technologies

We use cookies and similar tracking technologies to track activity on our Services and hold certain information. Cookies are files with small amounts of data which may include an anonymous unique identifier.

Types of cookies we use:

  • Essential cookies: Required for the operation of our website
  • Analytical/performance cookies: Allow us to recognize and count visitors and see how they move around our website
  • Functionality cookies: Enable our website to provide enhanced functionality and personalization
  • Targeting cookies: Record your visits to our website, the pages you visit, and the links you follow

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Services.

How We Use Your Information

We use the information we collect about you for various purposes, including:

  • Providing and maintaining our Services
  • Processing loan comparison requests
  • Connecting you with suitable loan providers
  • Communicating with you about your inquiries, loan options, and our Services
  • Personalizing your experience on our website
  • Improving our website, products, and services
  • Conducting research and analysis to enhance our offerings
  • Detecting, preventing, and addressing technical issues or fraudulent activities
  • Complying with legal obligations

Disclosure of Your Information

We may disclose personal information that we collect or you provide in the following circumstances:

To Third-Party Service Providers

We may share your information with third-party service providers who perform functions on our behalf, such as:

  • Financial institutions and lenders to facilitate loan comparisons and applications
  • Payment processors for handling transactions
  • Analytics providers to help us understand how our Services are used
  • Email service providers to send communications
  • Hosting and technology providers to maintain our Services

For Business Transfers

If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

For Legal Reasons

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

With Your Consent

We may disclose your personal information for any other purpose with your consent.

Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

International Data Transfers

Your information may be transferred to and processed in countries other than the country in which you reside. These countries may have data protection laws that are different from the laws of your country.

Specifically, our website servers are located in South Korea, and our third-party service providers and partners operate in various countries. This means that when we collect your personal information, we may process it in any of these countries.

By providing your personal information, you consent to this transfer, storage, and processing.

Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.

Your Data Protection Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, which may include:

  • Right to access: You have the right to request copies of your personal information.
  • Right to rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
  • Right to erasure: You have the right to request that we erase your personal information, under certain conditions.
  • Right to restrict processing: You have the right to request that we restrict the processing of your personal information, under certain conditions.
  • Right to object to processing: You have the right to object to our processing of your personal information, under certain conditions.
  • Right to data portability: You have the right to request that we transfer the data we have collected to another organization, or directly to you, under certain conditions.

If you wish to exercise any of these rights, please contact us using the contact information provided below.

Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from children without verification of parental consent, we will take steps to remove that information from our servers.

Changes to this Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

  • Email: privacy@finseoul.com
  • Phone: +2918034251
  • Address: 298 Gaepo-ro, Paju, Gyeonggi-do, Korea